AM Best Senior Industry Research Analyst Christopher Graham and Associate Analyst Alexander Winant discuss a new Best's Special Report that finds the annual change in the industry's underwriting expense ratio is much less than year-to-year variability in its loss and loss adjustment expense ratio.

Technology is playing a part in improving workplace safety and acting as a constraint in workers’ compensation premiums, according to Paul Zamora, ICW Group’s chief underwriting officer, commercial lines.

Sarah Owen, chief product officer, One Inc, discusses new research that shows how speed, flexibility and clear communication in the auto claims payment experience are becoming decisive drivers of customer trust and long-term loyalty for insurers.

Chief Data Officer Anurag Shah, SIAA, explains how agents and brokers can avoid common data missteps, leverage real-time business intelligence and turn rapid technological change into a competitive advantage.

Senior AM Best analytical staff walk through the 2026 outlooks and the global, economic, social and technological trends that are shifting the industry and key factors expected to shape results in 2026. (Event Date: December 9, 2025)

George Hosfield, vice president, Home Insurance, LexisNexis, discusses key findings from the 2025 LexisNexis Home Trends Report, examining rising loss severity, surging catastrophe claims and what intensifying weather-driven risks mean for homeowners insurers.

Eric Wedin, head of North America financial lines, Allianz Commercial, discusses findings from the company’s latest D&O Insurance Insight Report, examining how geopolitical instability, cyber incidents, and other global factors are reshaping directors and officers liability exposures heading into 2026.

Torbjorn Soltvedt, associate director of political violence, Verisk Maplecroft, explains how growing political polarization, fiscal strain and the amplified role of social media are driving a global increase in disruptive protests, with commercial property increasingly targeted.

Xceedance Americas President Travis MacMillian outlines six key technology trends, including real-time underwriting, that are redefining insurer operations, governance and customer engagement in 2026.

Jim Williamson, president and CEO, Everest Group, said reinsurance pricing expected to decline moderately in 2026, with ample capacity from major carriers. Williamson spoke with AM Best TV at the Cayman Captive Forum 2025.